Terms & Conditions

1. Acceptance of Terms

By accessing and using Zenze Capital LLP's website and services, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, please do not use our services.

2. Eligibility Criteria

To apply for a loan through Zenze Capital LLP, you must:

• Be a citizen of India
• Be between 21 and 60 years of age
• Have a valid PAN card and Aadhaar card
• Have a minimum monthly income of ₹15,000
• Have a valid bank account in your name
• Have a good credit score (CIBIL score of 650 or above)

3. Loan Terms

Interest Rates: Interest rates range from 8.5% to 24% per annum, depending on your credit profile, loan amount, and tenure.

Processing Fee: A processing fee of 1% to 3% of the loan amount may apply.

Loan Tenure: Loans can be availed for a tenure of 6 to 84 months.

Prepayment: Prepayment is allowed after 6 months with a prepayment charge of 2% to 4% of the outstanding principal.

4. Application Process

By submitting a loan application, you authorize Zenze Capital LLP to:

• Verify the information provided by you
• Check your credit report from credit bureaus
• Contact you regarding your application
• Share your information with our lending partners

5. Disbursement

Upon approval, the loan amount will be disbursed directly to your registered bank account within 24-48 hours. The disbursement is subject to successful verification of all documents.

6. Repayment

EMI Payment: Equated Monthly Installments (EMI) will be auto-debited from your registered bank account on the due date.

Late Payment: Late payment charges of 2% per month will apply on overdue amounts.

Bounce Charges: A charge of ₹500 will apply for each EMI bounce.

7. Default Consequences

In case of default:

• Your credit score will be negatively impacted
• Legal action may be initiated for recovery
• Your information may be shared with credit bureaus
• Collection agents may contact you for recovery

8. User Responsibilities

You agree to:

• Provide accurate and complete information
• Keep your login credentials confidential
• Notify us immediately of any unauthorized access
• Repay the loan as per the agreed schedule

9. Limitation of Liability

Zenze Capital LLP shall not be liable for any indirect, incidental, or consequential damages arising from the use of our services. Our total liability shall not exceed the processing fee paid by you.

10. Governing Law

These terms shall be governed by and construed in accordance with the laws of India. Any disputes shall be subject to the exclusive jurisdiction of courts in Mumbai.

11. Modifications

We reserve the right to modify these terms at any time. Continued use of our services after changes constitutes acceptance of the new terms.

12. Contact

For any queries regarding these terms, please contact us at legal@zenzecapital.in or call +91 9500536121.